Originally Posted by dubbletrubble

This is what I do for a living and to answer your question about phoning your broker, don't bother. Chances are they won't say anything but why take the chance. If you have things on your record already, we will probably check you out each year. If you have a relatively clean record, than we might only check you out every 3 years or so.
Answering to Smartidiot in regards to age "stereotype", it is not a stereotype, it is cold, hard statistics. That is what we have to sets rates on, the probability that it may happpen. In regards to his record, the 70 over is a major and that is enough in itself for getting you put with facility (high risk), that coupled with your other ticket and the at fault accident you were lucky to find it for 5k!